Any Wells Federal Certificate (except the 91 day) can be used for IRA Accounts. Also available is the account below:Minimum Balance Required: $25Additions Allowed: At Anytime Current Interest Rate: 0.10%; APY: 0.10%Interest Paid every 31 days by compounding

CERTIFICATE FEATURES & OPTIONS

1. All Certificates are automatically renewed;2. Maturity and renewal interest rate notices are sent on all certificates3. Interest can be paid by check if the account balance is $10,000 or more4. Interest can be paid by compounding to the certificate for a higher effective yield5. Compounded interest can be withdrawn at anytime6. Monthly interest checks are available to Senior Citizens and retired persons provided account balance is $10,000 or more7. Customers with balances of $1,000 or more can transfer interest monthly to a Wells Federal Checking or Savings account8. All accounts are insured to $250,000 by the FDIC. For information on higher insurance coverage, contact any Wells Federal Bank staff member9. Rates are subject to change. Rates are established on the date of issuance or renewal of the certificate.

ANNUAL PERCENTAGE YIELD (APY) ASSUMES THAT THE FUNDS REMAIN ON DEPOSIT FOR ONE YEAR AT THE CURRENT INTEREST RATE